Group Accidental Death & Dismemberment Insurance

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Group Accidental Death & Dismemberment Insurance

Underwritten by the New York Life Insurance Company

Be Better Prepared for the Unexpected.

Available to: SEIU Local 1000, CSUEU, & ACSS

The emotional and physical impact of accidents – home or work-related – can be overwhelming. Request up to $500,000.00 of protection from the CSEA endorsed Group AD&D Plan if you’re actively at work for at least 20 hours a week and under the age of 80–GUARANTEED TO YOU!

– Pays up to $10,000.00 extra for seat belts
– Pays toward educational tuition for covered family members if you die in a covered accident
– GUARANTEED acceptance for eligible CSEA Members and their families
– Features exclusive member CSEA rates
*Coverage only available to residents of the U.S. Before enrolling, read through the rest of this site for information on rates, benefits, eligibility, renewability, limitations, and exclusions.

Overview

You’re GUARANTEED up to $500,000.00 in Benefits 

Accidental injury has become the third leading cause of death for the first time in U.S. history. In 2020, an estimated 200,955 preventable injury-related deaths occurred in homes and communities1.

Today, you can help protect your family with the valuable CSEA endorsed Group Accidental Death and Dismemberment Insurance:

  • If you actively work (as defined): Pays up to a $500,000.00 one time payment in the event of death or specified injury resulting from a covered accident
  • Pays an additional benefit of $10,000.00 if you or covered family members die in fatal auto accidents while properly wearing a seat belt
  • Pays up to $3,000.00 education benefits for your covered spouse if, as long as he or she completes a licensed professional or trade school program within 30 months of your death.
  • Pays up to $2,500.00 for your insured children who are seniors in high school or enrolled in college, every year, for up to four years if you die in a covered accident. Refer to your Certificate of Insurance for details
  • Pays benefits for covered accidents such as car accidents, work and home accidents, drowning, falls, electrical accidents, boating mishaps and more (See Certificate of Insurance for details)
  • Protects you anywhere, anytime for covered accidents (Subject to U.S. government regulations on restricted countries)
  • Covers you as passenger in a commercial airplane, train or bus
  • Pays in addition to any other insurance
  • Cash for your family to spend as needed — and get back on their feet


If you have any questions regarding these benefits, please call +1-800-952-5283.

 

1 National Safety Council, Injury Facts 2022

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Benefits

CSEA Endorsed Group Accidental Death and Dismemberment Insurance 

24-hour, Worldwide* Coverage – benefits up to $500,000.00 if you’re actively at work. And you’re guaranteed benefits as a CSEA Member under age 80. No physical exam or health questions.

*Subject to U.S. government regulations on restricted countries.

Pays up to $10,000.00 EXTRA for seat belts!

The CSEA endorsed Accidental Death and Dismemberment Insurance pays up to an additional $10,000.00 (or 10% of your principal benefit, whichever is less) if you or an insured dependent die in an auto accident while properly wearing a seat belt. This extra benefit is paid in addition to any other benefit. The seat belt usage must be verified by an accident report, a doctor, coroner, traffic officer or other authority.

Guaranteed Acceptance

  • Guaranteed to You if You Work Just 20 Hours a Week
    You’re guaranteed benefits as long as you are a CSEA member under the age of 80, a resident of the U.S., are a permanent employee and work at least 20 hours a week.
  • Guaranteed to You if You’re Under Age 80
    You’re guaranteed benefits as long as you are a CSEA active member and under age 80.


Helps to Protect Your Family, Too.

This CSEA endorsed Group Accidental Death and Dismemberment Insurance is also available when you obtain coverage for your lawful married spouse or domestic partner (call administrator for details) and your dependent children under age 19 (26 if full-time students at an accredited school or college) – guaranteed regardless of health. Newborn children are automatically covered at birth.

When you choose family coverage, benefits for all covered family members are based on the amount of coverage you select as follows:

  • Your spouse is covered for 40% of your chosen benefit (original principal sum)
  • Your child(ren) is covered with a benefit equal to 10% of your member benefit.
  • If there are no covered children, your spouse’s coverage will be 50% of your chosen benefit (original principal sum)


Your spouse, your children, your parents, your siblings or your estate will automatically be the beneficiary for your CSEA protection. However, you may change your beneficiary at any time by notifying CSEA Insurance in writing. You are the beneficiary for your dependent’s coverage.

Benefits to Help Pay Tuition and MORE!

If you die in a covered accident:

  • An extra $3,000.00 benefit is payable if, at the time of your covered loss of life, your insured spouse is enrolled in a licensed professional or trade school and within 30 months following the date of death, said spouse successfully completes the program.
  • Your children who are seniors in high school or enrolled in college at the time of your accidental death, will receive 2% of the amount of your coverage (up to $2,500.00) for up to four years, except that: The benefit will end if the insured dependent ceases to be a full-time student.
  • Your dependent family’s coverage stays in force if you die – and they pay NO premium payments for 12 months if your death is due to a covered loss.


Your Benefits Automatically Increase — RATES STAY THE SAME!

The amount of your coverage increases automatically as a protection against inflation with no additional premium cost. The increase will be 5% every two years, up to a maximum of 25%. This means that at the end of ten years you will have an extra 25% in benefits with no increase in premium cost.

Pays you directly!

Because accidental deaths and disabling injuries result in special needs and high medical bills, the CSEA provides you with cash benefits to help cover these expenses. You or your family member will collect the following benefits based on your loss.

When covered injury results in a loss within 12 months after the date of the accident, benefits are payable. Certain losses are payable at 100% of the selected benefit and other losses are payable as shown:

Benefits for Specific LossCoverage
For an injury directly and independently caused by an accident while coverage is in force for you or your covered dependent, the benefits specified below will be paid if such resulting loss(es) occur within 12 months of that accident
Life; two limbs; sight of both eyes; one limb; one hand or foot and sight of one eye; speech and hearing or; movement of both upper and lower limbs100% of Principal Sum
One limb; sight of one eye; speech or; hearing50% of Principal Sum
Loss of thumb and index finger on one hand25% of Principal Sum

For what is not covered, see EXCLUSIONS AND LIMITATIONS in the “Terms” tab.

If you suffer multiple losses due to the same accident, only one benefit amount, whichever is greater, is payable. “Loss” means: with reference to limbs, actual severance through or above the wrist or ankle joints; with reference to thumb and index finger, actual severance through or above metacarpophalangeal joints; with reference to sight, speech or hearing, total and permanent loss thereof; and with reference to movement, total and permanent paralysis of such limbs.

You’re Under No Obligation

If you decide the CSEA endorsed Accidental Death and Dismemberment Insurance isn’t for you, just let us know in the first 30 days. We’ll promptly refund your premiums and invalidate your coverage, provided there have been no claims. No questions. No obligation.

When Insurance Ends

Your coverage will continue as long as you pay your premiums on time, you remain a CSEA retired member in good standing and the Master Policy remains in force. Coverage for terminates at age 80. Your spouse’s coverage ends when yours does or when he or she is no longer eligible as defined in your Certificate of Insurance. For Actively at Work Members, your coverage will end on the earliest of the following dates: The date the policy is terminated; or the premium due date on or next following the date you are no longer an eligible person or fail to pay the premium.

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Rates

Current 2022 – 2023 Monthly Premiums for Active Members 

Take Advantage of your CSEA Member-Only Rates

Benefit AmountActive-working Member OnlyActively-working Member & Family
$100,000.00$5.00$7.00
$300,000.00$15.00$21.00
$500,000.00$25.00$35.00

*Coverage terminates at age 80.

Rates may be changed on a class wide basis

Guaranteed Acceptance

Enroll in the CSEA endorsed Group Accidental Death and Dismemberment regardless of your health. No physical exam or health questions. Accept guaranteed coverage here if you actively work or you are retired.

For SEIU, ACSS, and CSUEU premium for this coverage is deducted from payroll or PERS for Retirees with an authorization from each individual member. All other groups leverage auto-renewal through automatic bank deduction or credit card. Premiums are subject to change by agreement between New York Life Insurance Company and the CSEA, but not more than twice in any twelve-month period. You can’t be canceled or singled out for a premium increase due to a change in your health or job. Your rates may only be increased if they are increased for all others in your insurance class (a class is a group of people with the same age or gender).

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FAQs

Should I have accident protection if I carry life insurance?

Accidents rank as the third leading causes of deaths in our country, according to the National Safety Council1. It may make sense to add extra protection for accidental deaths or injuries. The CSEA endorsed Group Accidental Death and Dismemberment Insurance Plan pays benefits to cover the unique costs associated with accidents – in addition to any coverage you already have. Add up to $500,000.00 of protection for just pennies a day.

1National Safety Council, Injury Facts 2022

No because auto insurance protects your vehicle. And CSEA endorsed Group Accidental Death and Dismemberment Insurance Coverage protects you. You’re paid directly to spend the money as your family sees fit. Plus, the CSEA endorsed Group Accidental Death and Dismemberment Insurance Coverage pays an extra benefit if you’re wearing your seat belt. Collect up to an additional $10,000.00 (or 10% of your principal benefit, whichever is less) if you or a dependent die in an auto accident while wearing a seat belt.

No, you and your eligible family members are guaranteed coverage – regardless of your profession, lifestyle, hobbies, or travel habits.

Accident coverage has exclusive member rates, so many CSEA members get the maximum protection available — $500,000.00 for active members.

The CSEA endorsed Accident Coverage can pay up to $3,000.00 education benefits for your covered spouse to advance his/her education if you die from a covered accident. Plus, it can pay up to $2,500.00 each year for up to four years for your eligible children to attend high school or college if you die.

Retired CSEA Members often enjoy active lifestyles such as traveling, participating in sports, completing home projects and even starting second careers. That’s why CSEA retired members are guaranteed coverage up to $200,000.00. See the Retired site to apply.

You decide who collects your benefits by designating your beneficiary on your Enrollment Form. If you do not name someone, your beneficiary will automatically be designated as your Spouse, your Children, your Parents, your Siblings, or your Estate, in that order. You may change your beneficiary at any time by notifying the CSEA endorsed Insurance Program Administrator in writing. You are automatically the beneficiary for all coverage on your Spouse.

Benefits will be paid to you even if you suffer a covered injury at work and receive Workers Compensation benefits. The CSEA endorsed Accident Insurance pays benefit for any covered accident – 24 hours a day, anywhere.
Your policy will be enforced until age 80, if you are still actively working. If you retire before age 80, the policy terminates at retirement and you will need to to re-enroll in the retiree plan. Then as a retiree, the policy will be enforced until age 80.

*Subject to U.S. Government Regulations on restricted countries.

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Terms

EFFECTIVE DATE OF COVERAGE

This coverage becomes effective on the first of the month following payroll/pay warrant deduction and the receipt of your enrollment form, provided it has been approved. As long as your premiums are paid, the Master Policy is in effect, you remain a Member of CSEA and are under age 80, you may continue to renew your coverage. Upon Retirements you must reapply under the RETIREE Plan. 

CERTIFICATE OF INSURANCE

This provides an outline of the coverage. You will be mailed a Certificate of Insurance that contains the full terms and conditions. Please read it carefully and file it with your important personal papers where it can be found in case of your accidental death.

EXCLUSIONS AND LIMITATIONS

No Benefits will be payable for any loss that is due or related to: suicide; an attempt at suicide or an intentionally self-inflicted injury while sane or insane; A loss that occurs during, due or related to the covered person’s engagement in any of the following in a role other than as a victim: war, an act of war or an armed conflict which involves the armed forces of one or more countries, whether declared or undeclared; A loss that occurs during, due or related to the use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents; unless administered on the advice of a physician or accidentally administered; A loss that occurs during or is a result of travel in, travel on, fall from or descent from any aircraft while such aircraft is in flight, unless traveling solely as a passenger; A loss that is due or related to: a disease or bodily infirmity of mind or body, medical or surgical treatment of such disease or bodily infirmity or bacterial infections, except infections that occur as a result of an: accidental cut or wound; or accidental ingestion of contaminated material; A loss that occurs during , due or related to, any medical, dental or surgical treatment unrelated to the accident which would otherwise entitle the covered person to benefits.

Exclusions The following losses are excluded:

Air Travel – A loss that occurs during or is a direct result of the COVERED PERSON’S travel in, travel on, fall from or descent from any aircraft while such aircraft is in flight, unless the COVERED PERSON is traveling solely as a passenger.

Disease/Infirmity – A loss that is due to or related to: (a) disease or bodily infirmity of mind or body; (b) medical or surgical treatment of such disease or bodily infirmity; or (c) bacterial infections, except infections which occur as the result of an: (1) accidental cut or wound; or (2) accidental ingestion of contaminated material.

Drugs – A loss that: (a) occurs during; (b) is due to; or (c) is related to; the COVERED PERSON’S: (a) use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents, unless such use is as prescribed by a doctor or accidentally administered; or (b) illegal use of drugs, intoxicants, narcotics, barbiturates or hallucinogenic agents.

Self-Inflicted Injury/Suicide – A loss that: (a) is due to or is related to: (1) suicide; (2) an attempt at suicide; or (3) an intentionally self-inflicted injury; (b) occurs during an attempt at suicide; or (c) occurs while intentionally injuring oneself; while the COVERED PERSON is sane or insane.

Treatment– A loss that: (a) occurs during; (b) is due to; or (c) is related to; any medical, dental or surgical treatment unrelated to the accident which would otherwise entitle the COVERED PERSON to benefits.

War Conditions – A loss that: (a) occurs during; (b) is due to; or (c) is related to; the COVERED PERSON’S engagement in any of the following in a role other than as a victim: (a) in war, (b) an act of war, or (c) an armed conflict which involves the armed forces of one or more countries.

 

Endorsed by:

CSEA incurs certain administrative expenses in connection with this sponsored program. To provide and maintain this valuable membership benefit it is reimbursed for such expenses. California State Employees Association Administered by A.G.I.A., Inc.

PO Box 9997 Phoenix, AZ 85068-0997
A.G.I.A, Inc. is licensed and authorized to transact business in all 50 United States and the District of Columbia. Their state of domicle is California.
J. Christopher Burke CA Insurance License #0F709407. J. Christopher Burke AR Insurance License #8876308.

Underwritten by:

NEW YORK LIFE and the NEW YORK LIFE Box Logo are trademarks of New York Life Insurance Company

New York Life Insurance Company
51 Madison Avenue
New York, NY 10010
Under Group Policy G29148-0 on Policy Form GMR-FACE/G29148-0, New York Life is licensed/authorized to transact business in all 50 United States, District of Columbia, Puerto Rico and Canada.

However, not all coverages it underwrites are available in all states. Please check the coverage details for current availability.

New York Life Insurance Company’s state of domicile is New York and their NAIC ID # is 55915.

This is not a policy or Certificate of Insurance. It merely summarizes the principal features and is for informational purposes only. The complete terms and provisions of coverage and the conditions under which it may be kept in force are contained in the group Master Policy issued to the association.

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Form Download
2023 CSEA MEMBER SURVEY OFFICIAL RULES 103023.pdf Download
Group-AD&D-Employed-2023-Mail In Application.pdf Download

GUARANTEED ACCEPTANCE

Enroll in the CSEA endorsed Group Accidental Death and Dismemberment Coverage regardless of your health. No physical exam or health questions. Acceptance is guaranteed if you are actively working at least 20 hours a week and under the age of 80.

Terms Of Use

TERMS OF USE

DISCLAIMER

Information contained in or accessed from this A.G.I.A., Inc. and/or its affiliates website is provided on an “as is” basis. A.G.I.A., Inc. does not warrant the accuracy or completeness of this information, and expressly disclaims liability for errors or omissions in this information. No warranties of any kind are given in connection with this information, express or implied, including, but not limited to, warranties of merchantability, fitness for a particular purpose, non-infringement, or freedom from computer virus. In no event will A.G.I.A., Inc. be liable for any direct or indirect, special, incidental, consequential or punitive damages, losses (including lost profits), or expenses arising out of or in connection with use of its website, any failure of performance, interruption, delay in operation or transmission, computer virus, loss of data or otherwise, even if A.G.I.A., Inc. has been advised of the possibility of such damages, losses or expenses.

PRODUCT INFORMATION

All information contained in this A.G.I.A., Inc. website, including product and carrier information, policy premiums, terms and product fees, is for informational purposes only and is subject to change at any time without prior notice. Your eligibility for particular products or services is subject to final determination and acceptance by the underwriting company. Complete product information, including terms and conditions of coverage, is provided at the time of application.

DEFINITIONS

The following defined terms are used in these Terms and Conditions:

“Payee” means the merchant or other entity to which you authorize a bill payment to be directed.

“Payee Account” means the billing account with the merchant or other entity to which you authorize a bill payment to be directed. It may be represented by an account number, policy number, access number or code, or other number used by the merchant to identify your account.

“Payment Instruction” means your instruction and authorization to make a bill payment to a Payee.

“Payment Account” means the bank account that you authorize A.G.I.A., Inc. and/or its affiliates to debit by electronic funds transfer when you make your bill payment using account information from your personal checking or savings account.

“Payment Card” means the credit card or debit card that you instruct A.G.I.A., Inc. and/or its affiliates to charge to pay your bill payment.

“Business Day” means Monday through Friday, excluding Federal Reserve holidays.

BILL PAYMENT SERVICE

When you initiate a Payment instruction, you authorize A.G.I.A., Inc. and/or its affiliates to charge your payment card or debit your payment account and remit funds to the Payee. If we are unable to obtain funds for a bill payment for any reason associated with your Payment Card or Payment Account (for example, there is not a sufficient balance available on your Payment Card or in your Payment Account to cover the transaction), then we will not be able to complete your bill payment transaction. If there is a problem in processing your Payment Instruction, A.G.I.A., Inc. and/or its affiliates may attempt to contact you, using the telephone number you have provided to A.G.I.A., Inc. and/or its affiliates.

If A.G.I.A., Inc. and/or its affiliates makes a bill payment to your Payee Account but is unable to obtain funds for that payment from your Payment Card or Payment Account, you agree that your bill payment to your Payee Account will be reversed.

You agree that from time to time the Payment services contemplated under this Agreement may be inaccessible or inoperable for any reason, including, without limitation: (i) equipment malfunctions; (ii) periodic maintenance procedures or repairs which may be undertaken from time to time; or (iii) causes beyond A.G.I.A., Inc. and/or its affiliates control or which are not reasonably foreseeable to A.G.I.A., Inc. and/or its affiliates.

OUR LIABILITY FOR FAILURE TO COMPLETE TRANSACTIONS

A.G.I.A., Inc. and/or its affiliates will use commercially reasonable efforts to process your bill payments in accordance with your Payment Instructions. However, A.G.I.A., Inc. and/or its affiliates shall incur no liability if a bill payment is not made in a timely manner or if it is unable to complete any payments initiated by you through the A.G.I.A., Inc. and/or its affiliates Bill Payment Service because of the existence of any one or more of the following circumstances:

• Sufficient funds are not available through your Payment Account or your Payment Card;

• Failure of any Payee to account correctly for or credit the payment in a timely manner, or otherwise mishandle or delay the payment;

• The A.G.I.A., Inc. and/or its affiliates Bill Payment Service is not working properly and you know or have been advised by A.G.I.A., Inc. and/or its affiliates about the malfunction before you execute the transaction;

• You do not provide A.G.I.A., Inc. and/or its affiliates with all required information to complete the bill payment, such as your correct name, telephone number, or your complete and correct Payee account information; or

• Circumstances over which A.G.I.A., Inc. and/or its affiliates has no control including, but not limited to large-scale technical malfunctions, including, but not limited to loss of access to the Internet or loss of access to the Federal Reserve System, prolonged outages of phone lines, electricity or similar infrastructure, acts of God, war, riot, civil disobedience or similar events of insurrection, governmental or court orders, regulatory or legislative changes by any local, state or federal governmental agency, strikes, work stoppages, or other similar occurrences or circumstances.

LIMITATION OF LIABILITY AND YOUR EXCLUSIVE REMEDY

In the absence of any of the exclusions set forth above, it shall be A.G.I.A., Inc. and/or its affiliates responsibility to correct any transactions not completed in accordance with your Payment Instructions. In the event that A.G.I.A., Inc. and/or its affiliates is unable to correct the transaction, we shall refund the amount of funds received from you and this refund shall constitute your sole remedy. In no event shall A.G.I.A., Inc. and/or its affiliates liability to you ever exceed the amount of funds that we receive from your Payment Account or Payment Card for a bill payment. The foregoing shall constitute A.G.I.A., Inc. and/or its affiliates entire liability and your exclusive remedy. The use of this payment service is at your sole risk. In no event shall A.G.I.A., Inc. and/or its affiliates be liable for any other loss, injury, or damages, whether direct, indirect, special, incidental, consequential, or exemplary, including lost profits (even if advised of the possibility thereof) arising in any way out of your use of the bill payment service. Except as otherwise explicitly set forth herein, we specifically disclaim and you understand that we make no warranties or representations of any kind, expressed or implied and the same are hereby excluded from these terms and conditions and all transactions contemplated hereby. Some states prohibit the exclusion or limitation of incidental or consequential damages, thus this limitation of liability may not apply to you.

USER AUTHENTICATION AND SECURITY

A.G.I.A., Inc. and/or its affiliates Bill Payment Service has been designed in compliance with the Payment Card Industry (PCI) data security standards so that no one can access your Payment Account without proper user authentication. If you use this site, you are responsible for maintaining the confidentiality of your personal information, including your Payment Account number, and for restricting access to your computer, and you agree to accept responsibility for all activities you initiate or that you authorize to be initiated or that are authorized utilizing your payment account or from your computer. You are solely responsible for all bill payments you authorize using Bill Payment Service. If you permit other persons to use your Bill Payment Service or your bill payment authentication responses or other means to initiate a Payment Instruction on your behalf, you are solely responsible for any transactions they authorize.

If you believe that your authentication information or other personal information have been lost or stolen or that someone may attempt to use your Bill Payment Service without your consent, you must notify A.G.I.A., Inc. at once by calling (800) 424-5181 during normal customer service hours.

CHARGES

Transaction charges, if any, for using the Bill Payment Service may vary depending upon the Payee and permissible charges allowed in a particular state. These charges will be disclosed to you prior to your Payment Instruction. By submitting your Payment Instruction, you agree to pay these transaction charges. There may be a charge for additional transactions and other optional services. You agree to pay such charges and authorize A.G.I.A., Inc. and/or its affiliates to charge your designated Payment Card or debit your Payment Account for these amounts and any additional charges that may be incurred by you. You are responsible for any and all fees and charges that you may incur.

GOVERNING LAW

These Terms and Conditions shall be governed by the laws of the state of California without regard to that state’s conflicts of laws provisions and by applicable Federal laws and regulations.

WAIVERS

No delay or omission by us in exercising any rights or remedies under these Terms and Conditions will impair such right or remedy or be construed as a waiver of any such right or remedy. If we exercise any right or remedy, in whole or in part, that exercise will not prevent us from any further or future exercise of such right or remedy or any other right or remedy. No waiver will be valid unless in writing signed by us.

DISCLOSURES & CONSENT TO ELECTRONIC TRANSACTIONS / ELECTRONIC SIGNATURE

  1. By entering this website and agreeing to be bound by this Agreement, you are providing your affirmative consent to the use of an electronic signature to authenticate the insurance transaction in electronic form. You understand and agree that the insurance company will rely on your electronic signature to process and effect insurance transactions.

  2. You acknowledge that you understand that you are not obligated to enter into transactions electronically and that you have a right to conduct insurance transactions in paper format if you wish. By entering this website and agreeing to be bound by this Agreement, you affirmatively consent to conduct transactions in electronic form. If you wish to conduct insurance transactions in paper form, please contact your association/policyholder or its representatives. There is no charge to you for requesting a paper transaction.

  3. When you have successfully entered your enrollment information and have selected “I Accept” on the website confirmation page, you will be given the opportunity to print a paper copy of your insurance elections free of charge. Please print a paper copy of your insurance elections for your records because if you will not be able to access your enrollment information on the Site after your enrollment. If you wish to confirm or make changes to your coverage or beneficiary elections after your enrollment, you must contact the A.G.I.A., Inc. and/or its affiliates Endorsed Insurance Program Office of Administration. You understand and agree that requests for change submitted to Carrier or the Site will not be valid or take legal effect after the end of your enrollment.

  4. Once you have given consent for an electronic transaction, you may withdraw your consent only if Carrier has not taken action in reliance on your consent. To update your contact information or to withdraw your consent to an electronic transaction, you may contact your Administrator by calling (800) 424-5181. There is no fee charged for such requests. However, your withdrawal of consent shall not diminish the legal effectiveness or enforcement of any transaction agreed to prior to your withdrawal of consent. If you withdraw consent after your enrollment, your insurance will remain effective until your request for cancellation is received by the group policyholder or its representative.

  5. You agree that your electronic signature authorizes The Underwriting Carrier(s) or its authorized representatives:

    1. to process this insurance transaction at your request and any future transactions that may be needed to administer and help keep in force your coverage under the insurance policy. For example, we will rely on your electronic signature to authorize us to process your request for insurance coverage(s) and beneficiary designation(s) made during your enrollment.

    2. to process, as applicable:

      1. a billing transaction, including but not limited to: processing a payment by credit card using the credit card number you have provided; processing an electronic bank draft using the checking account number you have provided; or sending you a billing statement at the address you have provided; or

      2. a billing transaction with your financial institution to deduct the appropriate amount from your account.

    3. to communicate with you by mail, telephone or electronically by sending to you communications including, but not limited to, any and all types of electronic communication by email, fax, mail and telephone.

  6. After you enroll, you understand and agree that you will not have access to your electronic enrollment record. You may print a confirmation of your enrollment election at the time of enrollment, or you may contact your Administrator for confirmation after your enrollment period ends.


USER REPRESENTATION

You represent and warrant to A.G.I.A., Inc. and/or its affiliates that: (a) you over the age of eighteen (18) and have the power and authority to enter into an perform your obligations under this Agreement; (b) all information provided by you to A.G.I.A., Inc. and/or its affiliates is truthful, accurate and complete; (c) you are the authorized signatory of the credit or charge card provided to pay fees contemplated herein; (d) you shall comply with all of the terms and conditions of this Agreement; and (e) you have provided and will continue to provide accurate and complete registration information, including, without limitation, your legal name, address and telephone number.

ADDITIONAL TERMS AND CONDITIONS

A.G.I.A., Inc. and/or its affiliates provide information and services on this website, and all layouts, materials, designs, and images on this website are copyrighted or proprietary to A.G.I.A., Inc., its affiliated companies and/or third party service providers. As a condition of your use of this website and the services, you agree that you will not use the contents of this website in any other website or in a network computer environment. All uses of this website apart from educational, informational and enrollment purposes are strictly prohibited.

In addition, as a further condition of your use of this website and the services, you agree that you will not use the website or services to infringe the intellectual property rights of A.G.I.A., Inc. and/or its affiliates in any way; use the website or services to modify or manipulate the website or services or any of A.G.I.A., Inc. and/or its affiliates hardware or software to invade the privacy of, or obtain private information concerning any enrollee or applicant of Carrier, or to erase or damage any information contained on the computer or the information of any user connected to this website or the services, or to reveal any portion of this website or the services. Furthermore, you agree that you will not use the website or services to introduce viruses, worms, Trojan horses or other malicious, destructive or harmful codes or programs, and you agree that you will take every precaution not to introduce these harmful codes into the website and services.

You agree that the materials and services on this website are provided “as is” and for informational purposes only. You understand that neither Carrier nor A.G.I.A., Inc. and/or its affiliates makes any representations or warranties that the materials are suitable for your needs, are complete, timely, reliable, or are free from errors, inaccuracies or typographical mistakes. The information contained on this website was believed to be accurate at the time it was placed on the website. Carrier and A.G.I.A., Inc. and/or its affiliates periodically update the information on the website, but disclaim any responsibility to do so. Therefore, you understand and agree that Carrier and A.G.I.A., Inc. and/or its affiliates take no responsibility for the timeliness, accuracy or applicability of the information at the time it may be accessed and that Carrier and A.G.I.A., Inc. and/or its affiliates disclaim all warranties, express or implied, including, but not limited to, implied warranties of merchantability of fitness for a particular purpose or of non-infringement of other’s rights.

You understand and agree that neither Carrier nor A.G.I.A., Inc. and/or its affiliates is engaged in rendering legal, tax, insurance benefits or any other advice through this website or services. Your insurance needs are highly individual, and Carrier and A.G.I.A., Inc. and/or its affiliates do not represent themselves as giving financial advice or advice on your individual insurance needs through this website and services. You understand and agree that you should consult your own attorney and financial advisor(s) for advice in these areas.

You understand and agree that the information on Carrier’s insurance products as described in this website is not complete and does not change or affect the insurance policies as actually issued. Although you have been provided with a description of benefits, you understand that only the insurance policy issued to the policyholder (your association) can fully describe all of the provisions, terms, conditions, limitations and exclusions of your insurance coverage. In the event of any difference between the information on the website and services, the benefit highlights, and the insurance policy, the terms of the insurance policy apply.

You understand and agree that insurance will not be valid or in force with respect to you or your dependents if any such person is not eligible in accordance with the terms of the group policy issued to your association/policyholder. You acknowledge and agree that if group participation requirements are not met, the insurance policy will not be issued and the elected coverage(s) will not be in force.

You understand that this website and the Payment services contemplated hereunder may be performed by third-party vendors.

If any provision of this Agreement is determined to be illegal or unenforceable, then such provision will be enforced to the maximum extent permissible and the other provisions will remain fully effective and enforceable.

If you choose not to accept these Terms of Service, you will not be enrolled. You acknowledge that you have read the A.G.I.A., Inc. and/or its affiliates Privacy Policy on the A.G.I.A., Inc. and/or its affiliates website.

RATE INFORMATION

Rates quoted online represent the best available rate based on age, gender, state of residence, preliminary health questions and a number of other personal indicators. The rates shown are sample rate quotes, not offers of insurance, and may not be available to all persons, based on the underwriting company’s eligibility requirements. The rates shown are subject to change without notice at any time.

REVISIONS

We reserve the right to change or supplement this Terms of Service Agreement at any time by posting the changes on this website. By using this website, you accept the terms and conditions of this Terms of Service Agreement and you agree to review this Terms of Service Agreement from time to time to stay informed of changes that may occur. This Terms of Service Agreement also applies to personal information that we maintain on former customers.

Privacy Policy

AGIA Privacy Policy

AGIA Affinity (“AGIA”), believes protecting privacy of internet users visiting our website, www.agia.com (the “Site”), is of the utmost importance to ensure your trust in the programs we offer. AGIA’s Privacy Policy will inform you of the ways in which the Site collects personal information, the uses to which that information will be put, and the ways in which AGIA will protect any personal information you choose to provide us. For the purposes of this Policy, personal information that can be used to identify you or your activities on the Site of information about you which you provide to AGIA through services offered on the Site.

In many cases, AGIA will collect personal information on behalf of our commercial clients in accordance to a contract. In these circumstances, we act as a “Service Provider” or “Processor” to our clients under applicable privacy laws and are obligated to process personal information in accordance with clients’ instructions. In any case where AGIA is acting as a Service Provider or processor to our client, if you wish to exercise any of the rights outlined in this Policy, you should direct your request to our client, who is the party responsible for receiving, assessing, and responding to your requests. If a request is submitted directly to AGIA in a scenario where we only process your information in the role of Service Provider or Processor, AGIA may deny your request. If unsure, clarification of AGIA’s role regarding your personal information can be requested at anytime by contacting AGIA directly using the contact information described in this notice.

AGIA’s Privacy Policy applies solely to data collected via the Site. There may be additional personal information that we have or collect about you or your company pursuant to other relationships which is subject to other agreements and rules.

We take the privacy of your personal information very seriously and we will use your personally identifiable information only in accordance with the terms of this Privacy Policy. Personally Identifiable Information (“Personal Information”) means any information that could reasonably be used to identify you, including your name, address, birth dates, financial information, telephone number, social media contact information, or any combination of information that could be used to identify you. We will not sell or rent your personally identifiable information or a list of our customers to third parties. However, as described in more detail below, there are limited circumstances in which some of your information will be shared with third parties under strict restrictions, so it is important for you to review this Policy. This Privacy Policy applies to all services that are offered through the Site.

By accepting this Privacy Policy, you expressly consent to our use and disclosure of your personal information in the manner described in this Privacy Policy. By consent, you are acknowledging that you have read and understood this Privacy Policy and agree to be bound by it. If you do not agree with the terms of the Privacy Policy, please do not access our website. This Privacy Policy is incorporated into and subject to the terms of the website Terms of Service. The following discloses our website information gathering and use practices and is limited to the protection and use of personal information collected by us in the online environment. Your access to and use of our website are subject to this Privacy Policy and any other terms of use or policies posted by us.

Please review this privacy statement carefully to understand what information we collect on the website, how it is used, and how you can work with us if you have a concern about your privacy.

Personal Information We Collect

There is an opportunity on our website for you to voluntarily provide us with personal information for inquiring about AGIA’s business. For example, we will need personal information from you when you submit a question online, or request product information. This information includes your name and e-mail address. We use your voluntarily provided personal information to provide you exceptional service and to create a more meaningful visit for you at this website. You may also choose to apply for a job with AGIA and submit a job application via our career site at https://www.agia.com/careers . Any personal information you send AGIA will be used only for the purpose indicated on the careers site or in this statement.

By providing us with personal information so we may assist you on this website, you are “opting-in” to receive future communication from the website concerning information on products, promotions, or other services that we believe would be of interest to you. If, at any time, you receive a communication from the website that is unrelated to a transaction you have initiated, and you would like not be contacted again, please contact us using the procedures outlined below under “Questions About Your Information” to “opt-out” from future communications.

We reserve the right to use your personal information for market research purposes to better serve you but we will not sell your voluntarily provided information and will not share it with unauthorized persons or organizations.

When you visit this website, we collect and store non-identifying information about your visit. The information we collect may include the time and length of your visit, the pages you look at on our site, and the site you visited just before coming to ours. We may also record the name of your Internet Service Provider (ISP) or your Internet Protocol (IP) Address. We use this aggregate information to measure site activity as well as to generate ideas for enhancing our website to serve you. This information is not specific to any individual and is anonymized to prevent personal identification.

How We Use Your Personal Information

Internal Uses

We collect, store and process your personal information on servers located in the United States. We use the information we collect about you in order to provide our services, process your transactions, and provide customer service. We provide access to personal information about our customers only to those employees who require it to provide our services, process customer payments and provide customer service.

  • Cookies: We may utilize website cookies to collect information for the purposes of Site functionality, analytics, advertising, IP addresses only where strictly necessary. A cookie is a small amount of data, which often includes an anonymous unique identifier, which is sent to your browser from a website’s computer and stored on your computer’s hard drive but cannot read data from your hard drive. Cookies can be used to provide you with relevant content and to make it easier for you to use a website upon a future visit. We may include cookies on our website and use them to recognize you when you return to our website. You may set your browser so that it does not accept cookies; however, certain features of our sites may not function properly or be available if your browser is configured to disable cookies.

  • Web Beacons: Some pages on our site, as well as pages where our banner ads appear, and certain emails we send, may contain electronic images known as Web beacons, or single-pixel GIFs. These Web beacons collect certain types of non-personally identifiable information, such as a visitor’s cookie number, time and date of a page view, and a description of the page where the Web beacon is placed. The Web beacons are used to compile and aggregate statistics that help us improve the effectiveness of our advertising and make our site easier to use. The information collected using these Web beacons does not identify individual users to our site.

AGIA Personal Information Processing

Because AGIA offers various insurance and non-insurance products and services, it should be noted that the information below may not be applicable in all circumstances, data elements are dependent on the individual customer relationship.

Personal Information Category

Description

Source Categories

Business Purpose for Collection

Third Parties With Whom we May Share Personal Information

Government-Issued Identifiers

 SSN
 State ID Card
 Passport
 Driver’s License

 Directly from you (or a member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Insurance Underwriter
 Vendors
 Service Providers
 Employer

Contact Information

 Company or School Name
 Title
 Alias
 Mailing Address
 E-Mail Address
 Telephone Numbers

 Directly from you (or a former member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Vendors
 Service Providers
 Employer/Client

Individual Identifiers

 Age
 Gender
 Race
 Sexual Orientation
 Marital Status
 Veteran Status
 Beneficiaries/Dependents
  Physical or Mental Disability

 Directly from you (or a former member who named you as beneficiary)
 Employer, Plan Sponsor, or their Administrator
 Third Parties Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Vendors
 Service Providers
 Employer/Client

Other Identifiers

 Client/Member
 Account
 Name/Number
 Policy Number
 Employee/member ID Number

 Directly from you
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers and/or Agents and Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Insurance Underwriter
 Vendors
 Service Providers
 Employer/Client

Financial Information

 Financial Account Numbers
 Credit Card Numbers (Payment Card Data)
 Consumer Reporting Data
 Insurance Account Numbers

 Directly from you
 Employer, Plan Sponsor, or their TPA

 Policy Administration

 Vendors
 Service Providers

Health Information

 Inferred Data (Health)
 Status of Disability
 Data collected by a Healthcare Provider or Health Insurance Company Subject to HIPAA or CMIA
 Payment Information for Healthcare Services
 Information About a Consumer’s Diagnosis or Treatment for Health Conditions
 Patient records, clinical trial records

 Directly from you
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers, Agents or Brokers

 Policy Administration and/or Claims processing
 AGIA services to the client
 Communication with Individuals

 Vendors
 Service Providers
 Employer

Policy Information

  Any Policy or Documentation or Subsequent Information Submitted to AGIA in Order to Obtain Quotes for a Product or Service

 Directly from you (or from a current or former plan member who named you as a beneficiary)
 Employer, Plan Sponsor, or their TPA
 Third Parties
  Insurance Carriers, Agents or Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Vendors
 Service Providers
 Employer/Client

Employment-Related Information

 Job/Role Titles
 Resume with Work History

 Directly from you
 Employer, Plan Sponsor, or their TPA

 Policy Administration and/or Claims processing

 Vendors
 Service Providers
 Employer

Commercial Information

 Service Records
 Personal Property
 Customer Service Records
 Communication Preferences
 Other Preferences

 Directly from you (or from a current or former plan member who named you as a beneficiary)
 Employer, Plan Sponsor, or their TPA
 Third Parties
 Insurance Carriers, Agents, or Brokers

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Vendors
 Service Providers
 Employer/Client
  Non-Client Business Partners

Audio, Video, or Other Media

 Customer Service Call Center Recordings
 Voicemails

 Directly From You

 Quotes for products and services
 Policy Administration and/or Claims processing
 AGIA services to the client
 Marketing/Analytics
 Direct Marketing
 Communication with Individuals

 Vendors
 Service Providers

Disclosure to Third Parties

This website does not sell or rent any of your personal information to affiliates or unaffiliated third parties. We will not share any of your personal information with third parties except in the circumstances described below or with your permission.

 We disclose personal information with third parties or affiliates that we in good faith believe are appropriate to enable them to provide services to you and to contact you regarding additional products and/or services that you have expressed an interest.

 Cooperation in investigations of suspected fraud or other illegal activity, situations involving potential threats to the physical safety of any person, or to conduct investigations of violations of the -site’s Terms of Use or the Terms of Service Agreement, or as otherwise required by law. This may also include protecting and defending the rights, property, or safety of AGIA, other users of this Site or responding to claims that any content violates the rights of third parties.

 Certain federal, state and local laws or government regulations may require us to disclose non-public personal information about you. In these circumstances, we will use reasonable efforts to disclose only the information required by law, subpoena or court order to be disclosed.

 We disclose information to your agent or legal representative (such as the holder of a power of attorney that you grant, or a guardian appointed for you).

 As with any other business, it is possible that in the future we could merge with or be acquired by another company. If such an acquisition occurs, the successor company would have access to personal information maintained by us, including customer account information, but would continue to be bound by this Privacy Policy unless and until it is amended.

 As otherwise permitted by federal or state law.

Do Not Track

 Some internet browsers offer the user a “Do Not Track” technology.  The Do Not Track (DNT) header is the HTTP header field DNT that requests that a web application disable either its tracking or cross-site user tracking of an individual user.  At the current time, this Site does not have the capability of recognizing a “Do Not Track” request.

Email

 The website does not automatically recognize your e-mail address. You only receive e-mail from us if you check a box indicating an interest in a particular e-list or if you provide an e-mail address for a customer service inquiry and need an answer via e-mail. We collect the e-mail addresses of those who communicate with us via e-mail and online forms, including those who specifically check a box to subscribe on our online forms (for example, request for information on this website). Any user who signs up for e-mails can unsubscribe or manage his/her subscription by linking to the personal URL e-mailed to all subscribers. Every e-mail sent also includes information about how to stop receiving e-mails from us.

 We do not share the e-mail addresses we collect with similar benefits organizations.

Links to Other Sites

 For the convenience of our visitors and customers, this website may contain links to other sites. While we generally try to link only to sites that share similar high standards and respect for privacy, we are not responsible for the content, products or services offered or the privacy and security practices employed by these other sites.

 AGIA is not responsible for the content or privacy practices of linked websites or their use. Once you leave the Site using an external link, you should refer to those websites’ privacy policies, terms of use, and practices in order to evaluate how they will handle any information they collect from you.

Questions About Your Information

If you have any questions, concerns, or complaints about this Privacy Policy in general or questions related to your personal information, please contact AGIA customer service at (800) 424-5181, via e-mail at compliance@agia.com, or, if you would prefer to communicate with us by regular mail, please use the following address:

AGIA Affinity
Office of Administration
P.O. Box 26450
Phoenix, AZ 85068

To protect your privacy, any personal information we obtain from you is protected using the best available technology. Your product information requests are encrypted when sent to our customer service center for fulfillment; we use a secure server to safeguard the information you provide to us when asking a customer service question and when you enroll online; and all online enrollment information fulfilled by our customer service center is protected by Secure Socket Layer (SSL) technology to ensure your data is encrypted and safe from view by unauthorized parties.

In order to ensure secure web pages in your browser using SSL, we’ve acquired a security certificate from one of the Internet’s leaders in secure web technology verification. The Security Certificate SecureSite seal ensures that we are handling all of your transaction information securely and with the utmost care.

California Consumer Privacy Act and California Privacy Rights Act: Privacy Policy for California Residents

  This section of the Privacy Policy describes the rights of California residents under the California Consumer Privacy Act of 2018 (“CCPA”) and the California Privacy Rights Act of 2020 (“CPRA”). The CCPA and CPRA requires that we provide privacy information to California residents and we use this separate section to ensure compliance with the CCPA and CPRA requirements. This section applies solely to natural persons residing in California (“Consumers”), and does not apply to individuals living elsewhere, businesses or other corporate entities.

Sale of Personal Information

  Personal Information is information that identifies, relates to or could reasonably be linked with a particular California resident or household. We do not sell your personal information.  The CCPA and CPRA requires disclosure of this fact.

Your Rights Under the California Consumer Privacy Act and California Privacy Rights Act

Right to Confirm or Access Information

  You may have the right to confirm whether we process certain information or what information we process, and to obtain a copy of that information in a format that allows you to transmit the information to another business without difficulty.

  Once we receive and confirm your identity and verifiable consumer request, we will disclose to you the following at your direction (with various exceptions):

a)  The categories of personal information we collected about you in the last 12 months;

b)  The categories of sources for the personal information we collected about you in the last 12 months;

c)  Our business or commercial purpose for collecting or selling that personal information;

d)  The categories of third parties with whom we share that personal information;

e)  The specific pieces of personal information we collected about you;

f)  If we sold or disclosed your personal information for a business purpose a list of the personal information types that each category of recipient purchased; and

g)  If we disclosed your personal information to a third party for a business purpose, a list of the personal information types that each category of recipient received.

Right to Delete Personal Information

  You have the right to request that AGIA delete any of your personal information we collected from you and retained, with certain exceptions. You will need to submit a valid and verifiable request so AGIA can confirm your identity and/or authorization to make such a request. AGIA will determine if retaining the information is permitted or required under the law. If no retention conditions apply, we will delete your personal information from our records and direct any Service Providers to do the same.

Right to Correct Personal Information

  Taking into consideration the nature of the personal information and the purposes of the processing of your personal information, you may have the right to correct inaccuracies in such information. Upon submission to AGIA of a valid and verifiable request where your identity and authorization can be confirmed, AGIA will use all reasonable efforts to correct the inaccurate information.

Right to Limit Processing of Sensitive Personal Information

  AGIA processes sensitive personal information only as necessary in performance of our services to ensure the security and integrity of your information or as otherwise specified under regulation. Because AGIA does not process your sensitive personal information for other purposes, there is not a mechanism for you to limit the processing of this information.

Right to Opt-Out of Profiling

  AGIA does not engage in automated processing of personal information to make decisions that yield legal or other material consequence. Because we do not engage in this processing, AGIA does not provide a mechanism for you to limit our processing of personal information in this manner.

Right to Opt-Out

  AGIA does not sell your personal information; therefore we do not provide a mechanism for you to limit our processing of personal information in such a manner.

Right to Non-Discrimination

  AGIA will not discriminate against you for exercising any of your rights under the CCPA or CPRA. Examples of discrimination could be charging you inflated rates by imposing penalties or granting discounts or other benefits, denying you goods or services or providing you a different level of quality of goods or services.

  Any acts of discrimination are prohibited by the CCPA and CPRA and AGIA will not engage in them.

Personal Information We Collect, Sources and How We Use It

  In our Privacy Policy, sections titled, “Personal Information We Collect”, “How We Use Your Personal Information”, and “AGIA Personal Information Processing” outline the personal information we collect, its sources and how we use it for all consumers we interact with, including California residents. In effect, it is used to provide and manage products and services we provide and support our everyday operations, including risk management, legal and compliance requirements.

Exercising Your Rights as a California Consumer

  You, or a person authorized by you to act on your behalf, or an entity registered with the California Secretary of State and authorized by you to act on your behalf, can make a request regarding your personal information under the CCPA and CPRA. You may also make a request on behalf of your minor child.

  If you would like to exercise your right to request a copy of your personal information or your right to delete your personal information, please contact AGIA customer service by calling (800) 424-5181, by email at compliance@agia.com, or utilize regular mail by using the following address:

AGIA Affinity
Office of Administration
P.O. Box 26450
Phoenix, AZ  85068

Revisions and Notification of Changes

 We reserve the right to change or supplement this Privacy Policy at any time by posting the changes on this Site. Any changes AGIA makes to this Privacy Policy become effective immediately when the revised Policy is posted on this Site. By using this Site, you accept the terms and conditions of this Privacy Policy and you agree to review this Privacy Policy from time to time to stay informed of changes that may occur. This Privacy Policy also applies to personal information that we maintain on former customers. If we make any changes regarding disclosure of personal information to third parties, we will attempt to contact you prior to the date the modified policy is scheduled to take effect. We will post notice of the new Privacy Policy from the privacy links on our Site. Your use of the Site following such change constitutes your agreement to follow and be bound by the Privacy Policy as changed.

Children

AGIA does not knowingly collect, use or disclose information of children under the age of thirteen (13) without the consent of their parents or legal guardians. Further, if you are sixteen (16) years of age or older, you have the right to direct us to not sell your personal information at any time. However, AGIA will never knowingly sell or share personal information of children if between 13 to 16 years of age or the parent or guardian of a consumer less than 13 years of age. This Site is not intended for children and any instance where such information was collected would be unintentional.